There are several synonyms that can be used in place of the term "borrowing capacity". These include: 1. Creditworthiness: This term refers to the assessment of an individual or organization's ability to repay debts. 2. Loan eligibility: This refers to the criteria that need to be met in order for an individual or organization to be eligible for a loan. 3. Financial capability: This refers to a person or organization's ability to manage their finances and take on debt responsibly. 4. Debt capacity: This term refers to the maximum amount of debt that an individual or organization can take on without becoming overburdened. 5. Credit limit: This is the maximum amount of credit that a lender is willing to extend to an individual or organization.